Choosing an auto insurance company can be complicated: companies' rates may vary based on your driving history, age, and location, and companies offer an array of perks. Farmers and safeco are two of the most popular insurance companies, offering affordable insurance policies across many states.
To make insurance shopping seamless, we gathered typical prices from safeco and Farmers. These cover an array of pricing factors, including credit, driving behavior, and age. Take a look at these rates and find the right policy for you.
If you have very poor credit, Farmers could be the best option for you. On average, Farmers offers cheaper prices than safeco for prospective clients with credit scores of less than 580. Insurance shoppers with exceptional credit — a score of 800 or higher — should favor Farmers, which typically beats safeco by $301 per year. Check out average insurance costs by credit score for safeco and Farmers below.
|Credit level||Farmers avg. annual premium||safeco avg. annual premium|
|Very Poor (300-579)||$2,633||$5,308|
|Very Good (740-799)||$1,459||$1,871|
If you're saddled with an at-fault collision, ticket, reckless driving violation, or DUI offense in your recent history, Farmers could be a better choice than safeco. Every auto insurance company enacts rate penalties differently, so it's worth comparing quotes to understand which insurer suits you.
|Infraction||Farmers avg. annual premium||safeco avg. annual premium|
|At-fault accident (damage < $1,000)||$2,334||$2,546|
|At-fault accident (damage > $1,000)||$1,699||$1,969|
Auto insurance companies use a driver's age to outline risk potential, assigning rates accordingly. Auto insurance is usually priciest for teen drivers — due to their increased odds of being involved in an accident — and most affordable for older drivers. Because every auto insurance company rates age brackets differently, it's worth shopping around and finding the best rate for you.
As a general rule, teen drivers should choose Farmers before safeco: Farmers offers average yearly savings of $1,247 versussafeco.
|Age tier||Farmers avg. annual premium||safeco avg. annual premium|
Aside from affordability, there are myriad pros and cons of both Farmers and safeco, including their discount programs, add-ons, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.
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|About||Farmers Auto Insurance knows that protecting your vehicle is more than just a basic obligation, which is why they provide all the value and flexibility you need, along with unparalleled customer and claim service.||Why customers love Safeco: Whether it’s your car, home, motorcycle, boat, identity, or more, Safeco makes it simple to protect what matters to you. Financial strength you can trust: Safeco Insurance is proud to be part of Liberty Mutual Insurance, a Fortune 100 company, rated “A” by A.M. Best Company. Liberty Mutual is rated “A” by A.M. Best Company.|
|Roadside Assistance||Farmer's Roadside Assistance provides assistance for reasonable and necessary services up to $150, including towing, roadside winching, locksmith services, flat tire changes, and jump starts.||Safeco offers roadside assistance 24/7 as a policy option, including coverage for towing, flat tire, battery service, fuel and fluids, and lockouts.|
|Additional Discounts||Farmers offers an additional discount for seniors.||Safeco offers additional discounts such as Advance Quote Discount, New Teen and Preferred Payment. And as a subsidiary of Liberty Mutual, Safeco offers 24/7 claims service.|
|Recent Questions||Are some insurance providers better suited to my needs than others to get the best rate?|
Because most coverage options can be matched across insurance companies, I think what you are really looking for is the best customer service/claims support for the best cost. Right off the bat, I know Geico probably wouldn't be an option for you with a leased vehicle.Does Farmers allow exclusions?
While I do not work for Farmers, it has been my experience that they do allow exclusions. Usually, you will need to call your agent or a customer service representation at their call sent and request an exclusion form.Will my farmers insurance cover my towing off the the NJ turnpike
Although I am not a Farmers insurance agent, my understanding of Farmer's Roadside Assistance program is you can either call their roadside service while your vehicle is inoperable and they will tow you up to $150 or you can be reimbursed for your troubles. However, this is all dependent on having towing and roadside on your policy.Will insurance cover someone other than the insured?
While it can vary by company, insurance will follow the car rather than the driver. So, in the event you get into an accident in your dad's vehicle, his insurance would be primary and yours would be secondary.See More Questions
|What can I do about fixing incorrect information on my driving record?|
It really depends on where the accidents are listed. Insurance companies look at 2 different reports to verify your driving history.If my teenager rear ended another car but we aren't filing a claim, will my insurance rate go up?
The tricky part about this situation is the police report. Since your current insurance company is unlikely to re-run your driving records after you become a customer, avoiding a claim should keep the rate with your current company from increasing.Should I file a claim if my repair cost is $1,500?
In New Mexico, our State of Insurance report shows that an at fault accident increases rates by an average of $596 additionally per year. Since accidents impact your rate for at least 3 years, you would be paying an extra $1,788 in premium over that time frame.Can I put my insurance on hold due to temporary disability?
Technically, you can cancel your car insurance at any time. However, canceling your policy will result in the loss of a Prior Insurance discount when you go to purchase another policy in the future.See More Questions
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